If we determine that you are terminally ill and have a life expectancy of less than 12 months, we will pay 50% of your sum insured up to a maximum of R1 million. Your sum insured will be reduced by the amount paid. Please refer to your life insurance policy wording for more details on the OUTsurance Life terminal illness benefit. 

Life cover can be used as an 'umbrella term' to refer to cover that pays out a specified amount if someone passes away (death cover) and/or if this person is diagnosed with a critical illness (critical Illness cover).

In terms of 'death cover', you can select comprehensive death cover where the sum insured will be paid out if you pass away during the period of cover or - you can select 'accidental death cover' where the sum insured is only paid out if you die as a direct result of an accident. 

Accidental death insurance will pay out a lump sum if the insured person's death is a direct result of an accident. The accident and death needs to occur during the period of cover and the accident must be the result of a bodily injury caused by external and accidental means. 

There is no cover for any condition or event arising directly or indirectly from any of the following:

• if the insured person commits suicide,
• for any self-inflicted injury or illness, driving while the concentration of alcohol in your blood exceeds the legal limit,
• the intentional intake of drugs or medication (unless prescribed by a registered medical practitioner,
• if you refuse any treatment (including surgery) recommended by a registered medical practitioner, 
• if you (or any person acting on your instruction) are involved in any criminal activity, 
• active participation in war, civil commotion, or any act of terrorism, 
• nuclear reaction or nuclear radiation.

Please refer to your policy schedule for a detailed breakdown of what is covered and not covered.